Visa Platinum Consumer Credit Cards

Visa? Platinum Consumer Credit Cards

Rewards Platinum

Rates and Fees

? No Annual Fee1

? Intro APR: 0% Intro APR for purchases and balance transfers for the first 12 billing cycles.1

? Purchase and Balance Transfer APR: 9.99% to 19.99% variable APR based on creditworthiness.1

cRewards?

? Earn one point per dollar on net purchases.

? Redeem points for merchandise, rental cars, cruises, hotels and airline travel.2

? Airline tickets good on any airline with no blackout dates.*

? Earn unlimited reward points.2

Cash Rewards Platinum

Rates and Fees

? No Annual Fee1

? Intro APR: 0% Intro APR for purchases and balance transfers for the first 12 billing cycles.1

? Purchase and Balance Transfer APR: 12.99% to 22.99% variable APR based on creditworthiness.1

Cash Rewards

? Earn 1% cash back on net purchases.

? Redeem for statement credit at .2

? Redemptions starting at $25.

Edition Platinum

Rates and Fees

? No Annual Fee1

? Intro APR: 0% Intro APR for purchases and balance transfers for the first 12 billing cycles.1

? Purchase and Balance Transfer APR: 8.99% to 18.99% variable APR based on creditworthiness.1

Card Features and Benefits

Visa Enhancements

? 24/7 U.S. based customer service ? Purchase & Extended Protection

? Online account management at

? Cell Phone Protection3 ? Free FICO Score4 ? Contactless Cards ? Fraud Monitoring ? Email & Text Fraud Alerts

? Lost and Stolen Card Reporting ? Emergency Card Replacement ? Emergency Cash Disbursement ? Travel & Emergency Assistance ? Zero Fraud Liability ? ID Navigator Powered by NortonLifeLock5

? Mobile Payments

? Travel Accident Insurance ($150K)*

Link will take you to a third party site affiliated with Newport Federal Bank.

Apply Today

1 0% Intro Annual Percentage Rate applies to purchases and balance transfers for the first 12 billing cycles after account opening. When this period ends, your APR will vary based on the U.S. Prime Rate as published in the Wall Street Journal. Rewards Platinum APRs are currently between 9.99% and 19.99%, Platinum Edition APRs are currently between 8.99% and 18.99%, and Cash Rewards Platinum APRs are currently between 12.99% and 22.99%. All APRs are based on creditworthiness. Rates are accurate as of April 30, 2020 and are subject to change. To find out what may have changed, contact us or check our website for current rates. If you make a late payment during the introductory period we may end your introductory APR and apply the standard purchase and balance transfer APR. Balance transfer fees are either $5 or 3% of each balance transferred, whichever is greater. Cash advance fees are either $5 or 3% of each cash advance, whichever is greater. Foreign transaction fees, for merchants located outside of the U.S., are (a) 1% of the U.S. dollar amount of the transaction, if converted from a foreign currency, or (b) 1% of the U.S. dollar

amount of the transaction, if made in U.S. dollars. Subject to credit approval. This card is issued by TCM Bank, N.A. 2 In order to access rewards your account must be open and in good standing. 3 To learn more about this benefit or to file a claim, visit or call 1-866-894-8569. 4 FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO? Scores are updated monthly. You may not see your FICO? Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible. *Coverage applies when the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply. 5 No one can prevent all idenity theft.

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